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The World Bank feels the Indian economy is "well placed" to deal with any potential global setbacks in 2025. Predicting a steady GDP growth rate of 6.7% for the financial years 2026 and 2027, 2025 could be a critical year for Indian investors.
But there is no best way to invest money; the trick is to find the best investment ideas that align with your investment goals and risk profile.
Below are four investment ideas for you to explore in 2025.
Gold has been coveted across the globe for centuries for religious, social and investment purposes. In India, the world's second-largest gold consumer, it is considered auspicious.
The inherent value of gold stems from several key factors, these being –
Gold's inherent quality as a hedge against inflation and market fluctuations makes it one of the best investment options. This is because when the markets fail, gold prices rise. This makes it a haven investment during downturns (such as the pandemic when stocks tumbled).
During the global meltdown in 2008-10, gold outperformed "alternative investments" such as commodities, hedge funds and real estate, as per the World Gold Council data. This makes gold an effective diversifier.
But gold may not be the best investment plan with high returns always. Gold jewellery may be a liquid asset, but the high-making charges are not recovered on resale. Similarly, management charges and brokerage make gold ETFs costlier than physical gold.
Gold prices fall globally when the dollar slides, including in India. Another drawback is that storage and safety are major issues with physical gold holdings.
Apart from dollar rates, demand and supply play a significant role in impacting gold prices. High inflation raises demand for gold, hiking gold prices. Rates also rise when interest rates fall, as people buy gold instead of looking at interest earnings. Other factors include gold import duty rates, wedding season, and the government's gold holdings.
To make gold one of the best investment options, decide on a short timeframe for liquid assets like gold ETFs and a long timeframe for more illiquid gold. Also, decide on investment amount, and plan diversification among gold types/instruments.
Finally, learn to spot the extra charges associated with physical gold.
A mutual fund is a pool of money collected from multiple investors and reinvested in various instruments, such as equities, bonds, etc., for diversification. Mutual funds are among popular investment ideas because they target one of three objectives—capital appreciation (growth), income, or preservation.
There are various types of mutual funds, such as –
Mutual funds have their pros and cons. On the plus side, they offer –
On the downside, they have –
Each mutual fund has an objective—growth or value. The other factors to consider are –
Mutual fund investments involve significant financial commitments, so select the best investment option with defined goals and long-term returns. Aim for a diversified portfolio; it helps gain the best investment plan with high returns. You can also develop a long-term investment perspective, as mutual funds are not get-rich-quick schemes.
A fixed deposit is an instrument offered by banks and NBFCs, where you park a lump sum amount for a fixed tenure at a fixed interest rate. When the tenure ends, you receive the invested amount plus compound interest.
FDs are among the popular money investment ideas in India. One reason is that they help investors earn steady interest over a fixed period from a low-risk investment and offer loan options against an FD account. FDs also offer flexible interest rate pay-out options.
On the flip side, the rate of returns is low, while premature withdrawals attract penalties, and the interest earned is taxable.
If you are interested in exploring different investment ideas, you can avail the best rates from IDFC FIRST Bank.
While FDs are secure investments, they can lock your money for a relatively longer period of time with penalties levied on premature withdrawals. If you have a big lump sum amount, spread it across multiple deposits. Also, avoid blocking your money in a single account by choosing multiple tenure across deposits.
Property investment is investing in real estate for returns through rent, resale or both. One person or a business can own the property.
Owning a property generates a sense of security. It also generates income. If you have taken a home loan, you get tax breaks, and the property value appreciates. But property selection can be long and exhausting, and getting a new property registered in your name can take time and effort.
Loans for commercial property get no tax breaks. Instead, you pay tax on all property and bear heavy maintenance.
Any of the following issues can impact property value –
To avoid cost overruns, go for ready accommodation. If you prefer under-construction property, check the developer's background and track record, and research the property rates in the area and the city.
Conclusion
If these investment ideas appeal to you, visit IDFC FIRST Bank for a reliable, beneficial, long-term solution for your financial plans.
For instance, if you are interested in investing in gold, you can go for the Sovereign Gold Bonds at IDFC FIRST Bank. This way, you also eliminate making charges, storage costs, and chances of theft. Moreover, the IDFC FIRST Bank 3-in-1 Account opens the door to stock investment with the best FD rates in the industry.
For steady wealth creation, you can always choose one of the best investment ideas, i.e., a mutual fund. Visit the IDFC FIRST Bank website to get started with your investment journey today!
The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirstbank.com for latest updates.